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Tag Archives: Michael Zebrowsk

Conshohoken, Pa. – January 16, 2013 – Brinker Capital, Inc., a leading investment management firm, has teamed up with eMoney Advisor (“eMoney”), the only wealth-planning system for financial advisors that offers transparency, security, mobile access and superior organization for everything that impacts their clients’ financial lives, and the Philadelphia Wings professional lacrosse team to sponsor an American Heroes celebration benefitting wounded armed forces veterans.

The Philadelphia Wings will host the Calgary Roughnecks at Wells Fargo Center in Philadelphia on Sunday, January 27, 2013 at 4 p.m. Commemorative camouflage jerseys provided by Brinker Capital and eMoney will be worn by the players during the game and auctioned off after the game to raise money for the Wounded Warrior Project, a non-profit organization that seeks to empower and honor injured veterans.

“The Wounded Warrior Project plays an important role in reintegrating injured veterans into civilian life,” said Chuck Widger, Executive Chairman, Brinker Capital. “By attending the American Heroes event, the residents of Philadelphia and the surrounding metropolitan area can help this organization continue its life-enhancing work with wounded veterans and their families.”

“It is our duty as Americans to recognize the tremendous sacrifices made by our veterans, especially those who have been injured in the line of duty,” said Michael Zebrowski, Chief Operating Officer, eMoney, a former Marine who served in the Persian Gulf War. “We take the Wounded Warrior Project’s motto, ‘The greatest casualty is being forgotten,’ to heart by ensuring our community never forgets the brave men and women who risked their lives to protect us.”

This is the latest endeavor in the firms’ ongoing commitment to veterans. They co-sponsored a previous American Heroes celebration during a Philadelphia Wings game on January 21, 2012. In addition, on December 7, 2012, eMoney sponsored the Be a Hero-Hire a Hero Career Expo at Philadelphia’s National Constitution Center to help qualified veterans and their family members find employment.

About Brinker Capital
Brinker Capital, Inc. is a leading investment management firm which provides managed account investment programs to individual and institutional investors through financial advisors. Brinker was founded in 1987 by Charles Widger and is located in suburban Philadelphia. Learn more at www.brinkercapital.com and www.twitter.com/BrinkerCapital.

About eMoney Advisor, LLC
eMoney Advisor, LLC, (eMoney), based in Conshohocken, Pennsylvania, is the only wealth-planning system for financial advisors that offers transparency, security, mobile access and superior organization for everything that impacts their clients’ financial lives. Our award-winning, web-based services and resources are designed to transform the advisor’s ability to implement comprehensive financial plans and prepare clients for a secure financial future.

When asked to identify their most formidable competition, most advisors point to the advisor with the fancy office, lots of back-office support, fully integrated technology, and the book-of-business torn from the society pages. While such advisors do pose a threat, they probably are not enticing your clients so much as the computers those clients have on their desks.
The digital era has transformed the investment landscape, including the way in which clients manage their financial lives. More and more comfortable with online services for education and information, clients are intrigued by how well technology can help them organize their financial worlds, and they are migrating to direct-investment platforms, such as Fidelity Brokerage Services, LLC, The Vanguard Group, Inc., Charles Schwab & Co, and TD Ameritrade, Inc.
This trend is probably more pronounced than one might imagine:
• According to Cerulli Associates, Inc., direct-investment platforms grew from $2.6 trillion in 2008 to slightly under $3.7 trillion in 2010. This increase represents a two-year growth rate of 19%.1
• In contrast, the growth rate for the traditional channel, over the same period, was only 14%. Cerulli ranks direct-investment platforms as the second biggest distribution channel after the wire houses.2
• This direct platform growth happened organically and did so in spite of a lackluster market. In 2000 eTrade and TD Ameritrade had combined assets in the $53 billion range. In 2011 they accounted for nearly $426 billion in assets.3
Growth Drivers
There are a number of factors driving the growth of personal financial management platforms, including investments made in some key areas:
• Advertising and Marketing. With nearly $1 billion a year spent on advertising and marketing combined, self-directed investment platforms have become media darlings.4 No matter what information your clients seek on the Internet, they are likely to come across an ad or sponsored material from a personal financial management provider. The same goes for watching television, reading magazines or books, or driving on the highway. Direct-investment platform ads are everywhere. With so many dollars fed by personal financial management providers into both new and old media channels, no wonder anti-advisor headlines such as “Financial Advisors Are Biased, Study Finds”5 are on the rise.
• Education. Successful personal financial management sites have incorporated “research amenities” and robust client educational materials. When a consumer enters a certain section of the website, educational content appears. Users do not have to search for more information. It is just a click away.
• Technology. Personal financial management sites are focused solely on the consumer. Made as simple as possible, they are straightforward, intuitive, and interesting. They make trading easy and inexpensive.
• Client Service. While the sophistication of the support is debatable, one point is irrefutable: “help” is waiting in the wings 24/7. Many of the top self-service investment platforms have made enormous investments in call-center infrastructure to ensure that financial professionals are available at all times to answer customer inquiries.
The increase in personal financial management systems is a trend to watch. Clients, however, will always need financial advice. Their desire to work with a knowledgeable professional, someone who can help remove obstacles and keep them on the path to fulfilling their goals, will endure. As life gets more complicated, the need to work with a trusted financial professional will only increase.
The content above is from Michael Zebrowski of eMoney Advisor has not been produced by Brinker Capital, nor does Brinker Capital make any claims or warranties to its accuracy. Views expressed are those of Michael Zebrowski of eMoney Advisor and do not necessarily reflect those of Brinker Capital.

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Brinker Capital provides this communication as a matter of general information. Portfolio managers at Brinker Capital make investment decisions in accordance with specific client guidelines and restrictions. As a result, client accounts may differ in strategy and composition from the information presented herein. Any facts and statistics quoted are from sources believed to be reliable, but they may be incomplete or condensed and we do not guarantee their accuracy. This communication is not an offer or solicitation to purchase or sell any security, and it is not a research report. Individuals should consult with a qualified financial professional before making any investment decisions.